| Metric | Description | Formula |
|---|---|---|
| % of Loans Written Off | Percentage of all loans given that groups have decided to write-off. The group selected that the member cannot repay the loan so the outstanding balance is recorded as a loss and deducted from the group’s loan fund. | # of loans written-off / # of all loans *100 |
| % of Members who Have Taken a Loan | Percentage of members who have ever taken a loan | # of members who have taken at least 1 loan / total # of members |
| % of Members with Outstanding Loans | Percentage of registered members who currently have a loan balance due to the group | # of members / # of members with outstanding loan |
| Age | Members' ages according to their registration. | # of members aged 18-34
# of members aged 35-44
# of members aged 46+ |
| Assets | Capital and other things of value possessed by the group | loan fund balance + value of loans outstanding + social fund balance |
| Attendance in Person | Percentage of total members who attended in person, averaged over the previous 4 meetings | (# members attended in person / # total members * 100) averaged over past 4 meetings |
| Attendance with Representative | Percentage of total members who were absent but sent contributions through a representative, averaged over the previous 4 meetings | (# members attended with a representative/ # total members * 100) averaged over past 4 meetings |
| Average # of Loans Given | Average number of loans given per group | # of loans given / total # of groups |
| Average # of Members / Group | Number of members in the average group | # of members/ # of groups |
Average Group Share-out Projection | The estimated total amount that will be disbursed at the end of a cycle (includes savings + profit) | Total Shareout / # of groups |
| Average Loan Size | Average amount of individual loans given to members (principal only) | cumulative value of loans given / # of loans |
Average Member Share-out Projection | The estimated total amount that an individual will receive at share-out (includes savings + profit) | Total Shareout / # of Members |
| Average Savings per Member | Average amount each member has saved; includes savings contributions only, not any profit from group activities | cumulative savings / total # of members |
| Average Social Fund Payout | Average payout amount that groups give to a person, group, community, etc. | total amount of Social Fund Payouts / # of payouts |
| Backup Status | The *estimated* number of meetings that have passed since the last time a group backed their data up to the cloud. This assumes that a group follows the meeting schedule they set in their constitution.
For example, if a group sets their meeting schedule for weekly meetings, Insights determines the date of the last meeting which SHOULD have been held and subtracts that from today's date. | n/a |
| Bank Balance | Amount of money group has outside of the group, e.g. in formal bank or other institution | DreamStart doesn't currently record bank balance |
| Country Data Access | The country/countries a user has permission to view. This was assigned by whomever invited this user and may be changed by anyone with a higher permission level. | n/a |
| Cumulative Savings | Total amount saved. Includes savings contributions only, not profit from group activities | sum of all members' current savings |
| Cumulative Savings, Annualized | Total amount saved, including savings contributions only, not profit from group activities. Annualized to account for groups in different phases of their cycle | Cumulative Savings*52 / Average age of groups (in weeks) |
Cumulative Value of Loans Given | Total amount lent to members (principal only) | Sum of all loan principal |
Current Cycle End Date | The shareout date selected by a group | The date indicated as cycle shareout date |
Current Cycle Start Date | The start date for the cycle as entered by a group | The date given as the cycle start date |
| Dream Star Leader Board | Groups with the greatest number of Dream Stars. Dream Stars are awarded to members for: contributing maximum savings, attending 4 meetings in a row, repaying loans on time, and repaying loans early | list of top 5 groups with highest aggregated Dream Star amount |
| Dropout Rate | Percentage of registered members who permanently leave their group after first savings meeting (group removes the member in DreamSave app) | # of members removed after a group starts saving / # of members originally registered in that group * 100 |
| Education | Members' education according to their registration | # of "no formal education"/total # members
# of "primary school"/total # members
# of "secondary school"/total # members
# of "college"/total # members |
Estimated Group Share-out | Estimate of total share-out at the end of a cycle based on current rates of savings, loans, interest incomes, fines and miscellaneous income. Note this is not a final number and may change throughout the cycle | Interest + Savings |
| Equity | Assets minus Liabilities | assets - liabilities |
| External Debts | Amount the group owes to institutions outside the group such as to a bank or MFI | DreamStart doesn't currently record external debts |
| Gender | Members' genders according to their registration | # of female members/total # members
# of male members/total # members |
Group Age | The number of cycles a group has undergone | # of cycles |
| Group Expenses | Any money spent from the loan fund, not including loans (e.g. funds used to start a group business, money used to buy a cashbox) | Sum of groups' "Total Expenses" |
| Group Goal Achievement | Percentage of members making "great progress", "good progress", or are "a little behind" in progress towards their established individual goal | # of groups classified as "great progress" / total # of groups
# of groups classified as "good progress" / total # of groups
# of groups classified as "a little behind" / total # of groups |
| Group ID | Alpha-numeric code generated by the DreamSave app when a group registers (e.g. ZM-123-456) | n/a |
| Group Income | Any incoming money to the loan fund not already accounted for as savings, fines, or loan interest (e.g. profit from a group business) | Sum of groups' "Total Income" |
| Group Status | A way your organization can further categorize groups such as supervised, self-managed, graduated. Your organization can edit the status and description. | n/a |
| Groups Formed | Current number of savings groups registered in DreamSave | count of all groups |
| Implementing Partner | Another organization or entity that is creating and/or supporting savings groups on your behalf; could be a sub-awardee, sub-grantee, etc. | n/a |
| Inactivity Rate | Percentage of registered members who haven't attended or saved in any of the last 4 meetings | # of members who were absent and didn't save from all of last 4 meetings / #
members |
| Insights Access Start Date | The date from which this user has access to Insights | n/a |
| Job Role | The role within the organization, assigned by another user in the organization. This is established at the time users are invited and is not an Insights-generated title. | n/a |
| Last Login | The last date and time (mm/dd/yy) and time that this user logged into Insights | n/a |
| Last Meeting | The group's most recent, synced savings meeting, as recorded in DreamSave. | n/a |
| Liabilities | Money or other things of value the group owes | sum of external debts |
| Loan Fund Balance | Amount of cash available to members for loans; excludes Social Fund and other money the group doesn't intend to lend to members | previous balance + savings for this meeting + fines + loan repayment + miscellaneous group income – loans given this meeting – miscellaneous group expenses |
| Loan Fund Utilization | Percentage of the available funds which is currently lent out to members | Value of loans outstanding / (value of loans outstanding + loan fund balance) * 100 |
| Loan Repayment Rate | Percentage of loans that are repaid by the loan date (not counting current outstanding loans) | #loans paid on time or before loan date /
#total loans given - current loans |
| Loan to Savings Ratio | The amount of loans given out in proportion to cumulative savings. Often groups allow a member to borrow up to 3 times what that member has saved. | value of loans given / cumulative savings |
| Loan Types | The types of loans members indicate when requesting a loan: Business, Education, Household, Medical, Other | # of "business" loan types / total # loans
# of "education" loan types / total # loans
# of "household" loan types / total # loans
# of "medical" loan types / total # loans
# of "other" loan types / total # loans |
| Location | The location assigned to this user by another user in the organization. This is established at the time users are invited and are not precise geo-locations | n/a |
| Meeting Frequency | How often a group formally meets, as defined in their Constitution. Options are weekly, bi-weekly, monthly. | n/a |
| Net Profit | Financial gain of groups, earned from loan interest, fines, and group income | Interest + Fines + Group Income - Group Expenses |
| Number of Loans Given | Total number of loans given | # of loans given |
| Number of Members | Current number of registered members in groups. A member who has dropped out or was removed by the group would not be counted. | # of registered members |
| Overall Attendance | Percentage of total members who either attended in person or sent their contributions through a representative, averaged over the previous 4 meetings (Attendance in Person Rate + Attendance w/ Rep Rate) | (# members attended in person + # members attended with a rep / # total members) averaged over past 4 meetings |
| Permission Level | The permission level set for this user; options are Owner, Country Level, Project Level, and Limited Access. | n/a |
| Personal Goal Achievement | Percentage of members making Great Progress (90% or above), Good Progress (between 75-90%), or are A Little Behind (less than 75%) towards their established individual goal. | # of individuals classified as "great progress" / total # of members in group
# of individuals classified as "good progress" / total # of members in group
# of individuals classified as "a little behind" / total # of members in group |
| Personal Goal Types | The types of goals members select when registering: Business, Education, Household, Land, Livestock, Vehicle, Technology, Travel | # of "business" goals / total # members
# of "education" goals / total # members
# of "household" goals / total # members
# of "land" goals / total # members
# of "livestock" goals / total # members
# of "vehicle" goals / total # members
# of "technology" goals / total # members
# of "travel" goals / total # members |
| Portfolio at Risk | Portion of the
loans given that are at risk of not being repaid | Value of loans past due/ Value of loans outstanding |
| Project | A collection of groups that your NGO wants to analyze or report on as a collective unit. You can organize projects by country, by grants, or in other ways. | n/a |
| Property at Start of Cycle | Amount of possessions groups collectively had at the beginning of their respective cycles (e.g. land, commodities, cashbox, etc.) | DreamStart doesn't currently record property |
| Property Now | Amount of possessions groups collectively have such as land, commodities, cashbox, etc. | DreamStart doesn't currently record property |
Registered Date | The date a group opened and registered their DreamSave account | Timestamp date (Group Created date) |
Return on Savings | An average member's financial profit compared to their savings. | [(Interest + Fines + Group income - Group expenses)/ Total Group Savings]*100 |
| Savings Leader Board | Groups with the highest cumulative savings | list of top 5 groups with highest cumulative savings |
| Social Fund Balance | Total amount of cash held by the group in any other fund separate from the loan fund | total contributions into Social Fund (or funds) - payouts from social fund |
| Social Fund Utilization Rate | Percentage of the available money in the Social Fund(s) which has been paid out | Total Amount of Social Fund Payouts / Total Social Fund Contributions * 100 |
| Start Date | The date that Facilitator starts working with the organization | n/a |
| Supervised By | Enter the person who oversees the user's/facilitator's savings group work | n/a |
| User ID | Every Insights user is assigned a four-digit User ID as a unique identifier that can be used to search for that user in Insights and help ensure duplicate users aren’t entered with different spellings, etc. | n/a |
| Value of Loans Outstanding | Amount owed to group from loans given to members; includes amount due from principal + accrued interest | total amount of remaining loan principal + remaining interest |